Money Market Disclosures

1. Rate Information: The Dividend Rate and the Annual Percentage Yield (APY) on your accounts according to the Money Market Rates tables. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and APY may change monthly as determined by People's Trust Federal Credit Union's Board of Directors.

2. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the anticipated rates and yields People's Trust Federal Credit Union anticipates paying for the applicable dividend period.

3. Compounding and Crediting: Dividends will be compounded and credited as set forth in the Money Market Rates tables. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends: Dividends will begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account.

5. Rate Differential: Will be paid based on a point system. Points will be tabulated monthly for the previous month's activity: One (1) point will be earned for each of the following People's Trust products or services: 1.) Aloan balance over $1,000, 2.) Five (5) or more signature based debit card transactions in the prior month 3.) Share Draft Account with an average balance of $1,000 or more for the previous month 4.) Direct Deposit or payroll deduction to a People's Trust share or share draft account 5.) Active user of Bill Payer service 6.) Term share balance over $1,000 7.) People's Trust credit card balance over $1,000 8) People's Trust Line of Credit over $1,000. The rate differential will not be paid to members who otherwise qualify but have a loan past due 60 days or more, an unpaid balance on a charged-off loan, an overdue negative account balance or more than 6 withdrawals from the money market account in the prior month. Points will be based on the previous month activity, calculated at the end of the month and paid on the first of the following month.

6. Balance Information: The required minimum balance to open each account is set forth in the Money Market Rates tables. For accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day.

7.Account Limitations: The account limitations for each account are as follows: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month; and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be closed.

	1) Auto Loans as low as 4.99% APR 2) Premier Money Market 5.001% APY 3) 9-Month Term Share 5.15% APY

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	Money Market Disclosures 1. Rate Information: The Dividend Rate and the Annual Percentage Yield (APY) on your accounts according to the Money Market Rates tables. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate and APY may change monthly as determined by People's Trust Federal Credit Union's Board of Directors. 2. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and APY are the anticipated rates and yields People's Trust Federal Credit Union anticipates paying for the applicable dividend period. 3. Compounding and Crediting: Dividends will be compounded and credited as set forth in the Money Market Rates tables. The Dividend Period for each account is set forth above. The Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. 4. Accrual of Dividends: Dividends will begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account. 5. Rate Differential: Will be paid based on a point system. Points will be tabulated monthly for the previous month's activity: One (1) point will be earned for each of the following People's Trust products or services: 1.) Aloan balance over $1,000, 2.) Five (5) or more signature based debit card transactions in the prior month 3.) Share Draft Account with an average balance of $1,000 or more for the previous month 4.) Direct Deposit or payroll deduction to a People's Trust share or share draft account 5.) Active user of Bill Payer service 6.) Term share balance over $1,000 7.) People's Trust credit card balance over $1,000 8) People's Trust Line of Credit over $1,000. The rate differential will not be paid to members who otherwise qualify but have a loan past due 60 days or more, an unpaid balance on a charged-off loan, an overdue negative account balance or more than 6 withdrawals from the money market account in the prior month. Points will be based on the previous month activity, calculated at the end of the month and paid on the first of the following month. 6. Balance Information: The required minimum balance to open each account is set forth in the Money Market Rates tables. For accounts using a Daily Balance method, dividends are calculated by applying a daily periodic rate to the principal in the account each day. 7.Account Limitations: The account limitations for each account are as follows: no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month; and no more than three (3) of these six (6) transfers may be made by check, draft, or debit card to a third party. If you exceed these limitations, your account may be closed.